IFM®, Integral Financial Modeling, is an unparalleled software tool developed by Posthuma Partners. IFM® has been scientifically validated by a committee of scientists in The Netherlands. IFM® is internationally recognized and evidence-based: (inter) national clients appreciate our solutions for over 20 years and benefit from the benefits on a daily basis.
IFM® is an excellent tool for internal and external actuarial certification on annual or quarterly results as needed by IFRS 17 or Solvency II among which ORSA. IFM® can also be fully used for a ‘full-audit’ trail, there is a simple interface with auditor and regulators.
Smart actuarial and econometric stochastic models ensure faster and better control of insurance risks.
A validated prognosis, because of the stochastic structure, which accurately predicts future expenditure.
IFM® provides high quality management information through dynamic financial analyzes. With respect to reserving and working capital requirements.
IFM® is stand-alone software, so there is no need for a high-risk system-integration.
IFM® reduces the costs of your actuarial and financial departments because a lot of work is done automatically. This gives you the opportunity to improve the capacity of your staff.
IFM® is a complete solution. But how does IFM® work, what are the costs and what do customers think? Download the whitepaper for an answer to these questions.
Calculation of estimated claim reserves, risk-adjusted loss and validation of claim reserves.
Calculation of expected cash flows, scenario analysis with visibility in changes, and estimated expected losses.
Estimating the net risk premium, capital costs and sensitivity analysis of parameters.
Solve missing data, reconstruct negative amounts and determine regime changes.
Required capital per product type, aggregation calculation of diversification and determine insurance risk.
Portfolio validation, portfolio analysis, control of data in line with product conditions, discover hidden risks and possible divestments of portfolios.
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Review insurance portfolios through stochastic modeling. Determine the strategic route and substantiate it with figures.